Auto insurance adjusters are looking for any factor that might limit the amount you could claim for damages, medical expenses, or pain and suffering. Insurance companies look for ways to minimize the culpability of their customers or challenge their case to reduce the amount of the payment. Insurance companies don't want to pay for damages that already existed in your vehicle and will only pay for damages received in the accident for which you filed your claim. Auto insurance adjusters look for evidence of previous damage and repairs related to past incidents.
In addition, adjusters look for rust, which is a sign that there was damage before the current accident. Your insurance company assigns an insurance adjuster, who plays an important role in determining how much you'll be paid for your claim. The appraisers can interview you and any other driver involved in the accident, as well as any witnesses who may have information about the circumstances of the event. Adjusters consult police reports, accident reports and any available photos.
Although Florida is a no-fault state, the other party may eventually sue for damages (or you may decide to start a case). An insurance adjuster will review your medical records related to the accident. The adjuster will check if you went to a hospital or doctor after the accident for professional treatment. If you didn't, the adjuster may try to use it against you.
The adjuster may argue that, by not obtaining medical care, you contributed to the current severity of your injuries or to your health condition and therefore deserve less compensation. The adjuster may also consider that the failure to see a doctor right away is proof that your injuries could not have been that serious. And what's even more frustrating is that insurance companies that are sometimes responsible for these damages rarely do things on their own. In addition to accusing the receipt of your claim, insurance companies must also initiate an investigation within 15 business days.
The scope of the investigation must be sufficient to determine liability. However, while investigating the insurance company is an important step in the claims process (insurance companies won't consider making the payment until they investigate), you should hire an attorney to independently assess your legal rights. Insurance companies do their research with your interests in mind, and they won't necessarily discover everything an attorney can discover when they focus on maximizing their financial recovery. Once the insurance company completes its investigation (including obtaining all the information requested), it will have 15 days to notify you if it accepts or denies its liability.
This is not the deadline for determining how much the insurance company is willing to pay, but rather the deadline for determining if you are going to pay anything. If the insurance company accepts liability, the next important step in the process is to calculate how much you are entitled to recover. Your information will not be shared. If you're in a car accident and want to file a claim with an auto insurance company, you'll likely need to deal with an auto insurance claims adjuster.
The initial offer offered by the adjuster is likely to be low, to allow negotiations that fit the insurance company's budget. The insurance claim adjuster may request a copy of the report or police report number to learn more about the incident. For example, before the appraiser arrives, your provider may ask you to collect information about your home's construction. Auto insurance claims adjusters will obtain police reports, accident reports, and hospital records to verify related insurance costs.
You might even consider preparing a public appraiser for the return, a knowledgeable professional who can guide you through the claims process. Contact an Acceptance Insurance auto insurance claims adjuster to review your insurance options, get a free insurance quote, or cover car accident losses and damages. As a result, adjusters may incorrectly dismiss some of the damage to the vehicle as pre-existing or unrelated to the accident. Knowing what an insurance adjuster is looking for when evaluating your claim could help you get fair compensation for your losses.
When you notify the auto insurance company or your auto insurance agent about your car accident, you may be redirected to an auto insurance claims adjuster. To know how to deal with auto insurance claims adjusters after a car accident, it's important to understand what they do. Auto insurance adjusters must interview the claimant, the other driver or drivers, and any witnesses to determine the circumstances of an accident. Auto insurance adjusters are trained to identify fraud, such as when customers attempt to claim prior damages on a current claim or pass off collision damage caused by a fender hit as damage covered by all types of damage caused by severe weather conditions or damage to animals.
If the case requires a face-to-face interaction, an auto insurance claims adjuster will come in person or send a nearby agent to inspect the damaged car and property. Since the contract does not compensate for damage to property caused by your fault, your appraiser will consider anything you say will affect you. This fact may seem like an obvious detail, but keep in mind that auto insurance claim adjusters are trying to save your employer money by determining the resolution of your claim. .